Fuel is the strongest reason to carry this one: 4% back on gas and EV charging worldwide on the first $7,000 each year, and 5% at Costco gas stations, which is a high rate for a card with no annual fee. From there it pays 3% on dining and 3% on travel including Costco Travel, both useful for a business with people on the road. Watch the wholesale club line, though, because the 2% rate applies only at Costco and Costco.com, not at Sam's Club, BJ's, or any other warehouse club, making it a merchant specific rate rather than a real category. Everything else earns 1%, and gas past the $7,000 cap drops to 1% as well, so a business with heavy fleet spending will outrun the best part of this card partway through the year. No foreign transaction fee helps if you buy abroad, and the 18.74% to 26.74% APR is a reminder to clear the balance every month.
Earn rates & credits
| Category | Rate |
|---|---|
Gas 4% on eligible gas and EV charging worldwide (first $7,000/year combined, then 1%); 5% at Costco gas stations. on first $7,000/yr, then 1% | 4% |
Dining | 3% |
Travel Includes Costco Travel | 3% |
Wholesale Clubs Costco and Costco.com purchases only — does not earn at Sam's Club, BJ's, or other warehouse clubs | 2% |
Everything Else | 1% |
Card details
Regular APR | 18.74%–26.74% variable |
Foreign transaction fee | None |